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In India, reports mention that 60% of people living in rural areas prefer seeking medical treatment outside their state. Finally, worldwide, around 14 million people1 travel abroad for better medical facilities. In such a scenario, the advantage of air ambulances can be life-saving. Now question arises-does health insurance cover air ambulance?
Keep reading to know all about air ambulance cover here!
There can be various reasons for you to seek medical intervention in another city or country. Some of them include cheaper medical expenses, unavailability of certain treatments in the home state, or simply because of better medical services and facilities elsewhere. Whatever the reason, if you have the right health insurance plan, you need not worry about hefty medical bills or travelling for medical treatments.
Now, coming to the question, does health insurance pay for air ambulance? The answer is yes. With Care Health Insurance, you have the option to purchase the additional coverage of air ambulance with certain health plans. Continue reading to understand how an air ambulance cover can benefit you and if you too should invest in it.
Air Ambulance Cover in Health Insurance
An air ambulance, as the name may suggest, is a mode of transportation for patients via airways. While a regular ambulance runs on the road, an air ambulance is a well-equipped air transportation system that helps carry a patient from one place to another for medical treatment purposes. The feature is usually available when it is difficult or risky to carry a patient to the hospital or shift to another health care centre.
An air ambulance is just like a regular ambulance where the patient is provided medical care while traveling. You may wonder, does health insurance cover air ambulances? Depending on the health insurance plans you choose, you may be able to avail the benefit of an air ambulance. So, it is best to delve into your health insurance policy to understand the scope of air ambulance features in it. With Care Health Insurance, you can purchase air ambulance cover as an in-built or additional cover in several health plans. Read on to learn more about air ambulances covered by insurance.
Care Health Insurance Policies with Air Ambulance Cover
When discussing air ambulance insurance coverage, one common question may be how to purchase air ambulance coverage. Here is a list of health insurance plans offered by Care Health Insurance that offer air ambulance cover as an optional benefit:
Care Supreme Health Insurance
Care Supreme health insurance is one of the popular plans by Care Health Insurance. It offers a sum insured ranging from ₹7 lakhs to ₹1 crore, as per your preference. The plan has numerous benefits with no sub-limits. Air ambulance cover is one of the optional covers available. You can avail coverage up to ₹5 lakhs for transporting the patient through air ambulance within the country.
Care Classic Health Insurance
Being a popular zone-based health plan, Care Classic health insurance offers a sum insured ranging from ₹5 lakhs to ₹15 lakhs. The basic coverage includes air ambulance coverage. In cases of medical emergencies recommended by the doctor, one can avail air ambulance benefits up to ₹5 lakhs.
Care Advantage Health Insurance
When looking for a high-sum insured health plan with a range of comprehensive benefits, Care Advantage can be your choice. The sum insured options range from ₹25 lakhs and goes as high as ₹1 crore to ₹6 crores. Air ambulance cover is available as an in-built feature under global coverage with sum insured 2/3/6 crore, while it is also available as an optional benefit under domestic cover.
Note: Kindly refer to the policy PDFs for detailed information
Benefits of Air Ambulance Cover
Air ambulances covered by insurance aid an insured in many ways. Some of these include:
Safer Travel Mode
Being air transportation, air ambulances are quite safe and sound for the patient. Roadways can sometimes be uncomfortable and may cause further health deterioration for the patient due to traffic and poor road issues. However, with an air ambulance, it may not be the case.
Advanced Medical Care
An air ambulance is a well-equipped mode of transportation for patients. Usually, air ambulances have all the advanced medical care facilities so the patient continues to receive the required treatment throughout the journey. The environment inside the ambulance like air pressure and humidity are also optimised in a suitable manner as per the patient’s condition.
Timely Medical Response
Through air ambulances one can ensure timely medical treatment without having to face long traffic. Air ambulances reach their destinations with no time ensuring quick and quality treatment for the patient.
Reaching Remote Areas
In remote areas where roads are not well-managed, and it's tough to reach, air ambulance cover can be of huge benefit. People living in remote or hard-to-reach locations may look forward to purchasing plans with an air ambulance cover. The response time of air ambulances in rural areas can be much better than that of road transport.
Mental Peace
Above all, a comprehensive insurance plan ensures peace of mind. When you have all the necessary coverage in your health plan, you need not worry in times of medical crises. Your health insureris there to assist you at every step.
Who Needs Air Ambulance Cover?
Air ambulances can be of significant advantage in times of critical care needs. An emergency situation cannot always be predicted and being equipped with an additional layer of coverage is always a good idea. Features like air ambulance insurance coverage can be of great importance to people living in remote areas or those who are suffering from critical illnesses. Saving even a few minutes can be a life-changing event in some cases. Also, those who are travelling abroad may secure their health and wealth with a comprehensive health plan that includes air ambulance cover.
Over to You
Air ambulance coverage can bulk up your health insurance coverage in many ways. Not only it provides fastest facility, but can be lifesavers in many cases. So, it is always a good idea to think of this coverage and include it in your plan. When it comes to securing the health of yourself and your family, nothing can be enough. So, why not add the additional layer of health cushion?
With Care Health Insurance, you can opt for air ambulance coverage at affordable premium rates. If you haven't yet invested in it, now is the right time to do so.
>> Also Read: What are Sub-limits and their Importance in Health Insurance
Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.
